Our mission
To take a stand for all investors, to treat them fairly, and to give them the best chance for investment success.
Investing at Fidelity
It doesn't matter if you're opening your first account or you've been investing for years. You'll find everything you need to meet your goals here at Fidelity.
At Fidelity, we think four simple principles can improve your chances of investment success.
Think about your goals
- Having a goal in mind can help when it comes to picking the right investments. This could be anything from saving for retirement, to buying a home. Your investment plan.
- Are you looking for short-term security or long-term gains? How much growth do you need to reach your goal? Answering questions like these can keep you focused on building a portfolio that’s right for you and your needs.
Stay balanced
- Investing in the right mix of shares and bonds could have a bigger impact on your returns than anything else you do.
- It’s all about finding the right level of risk and reward. Shares typically give you a higher return over the long-term but are riskier. Whereas bonds are more stable but offer lower potential returns.
Keep costs low
- Making money from investments isn’t about predicting the future because the future is unpredictable. Instead, you should focus on the one thing you can control – costs.
- By keeping your costs low, you keep more of your returns. Those savings can really add up, especially in the long term.
Be disciplined
- Sometimes our emotions can lead us to make simple mistakes when investing. Like buying the latest hot investment when prices are high then panic-selling when prices drop – the opposite of what common sense says we should do.
- The most successful investors are often those with discipline. Those who invest for the long term and don’t tinker with their portfolios too much
How Fidelity’s tech helps you manage your money
Our human experts harness the power of technology to help you reach your financial goals. Here’s how.
When you’re trying to make the most of your money and plan for the future, there are some things humans simply can’t do as well as algorithms.
The big idea: Here at Fidelity, we’re all about automated investing—using technology with human experts at the helm—to manage your money smarter and help you meet your financial goals.
How does it work? Robo-advisors use algorithms and automation to optimize your investments faster than a human can. They do the heavy lifting behind the scenes, managing all the data analysis and adapting investment expertise to fit your circumstances. All you need to do is fill in the gaps with details about your financial goals.
The result: you spend less time managing your finances and more time enjoying your life, while Fidelity focuses on your specific reasons for saving, adjusting your risk based on your timeline and target amount. Plus, robo-advisors cost less to operate. While the specific fees vary from one robo-advisor to the next, they all tend to be a fraction of what it costs to work with a traditional investment manager, which translates to savings for you.
A winning combination of human expertise and technology:Automation is what Fidelity is known for. But our team of financial experts is our secret sauce. They research, prototype, and implement all the advice and activity that you see in your account. Our algorithms and tools are built on the expertise of traders, quantitative researchers, tax experts, CFP® professionals, behavioral scientists, and more.
Four big benefits (just for starters)
No more idle cash
We automatically reinvest dividends, even purchasing fractions of shares on your behalf, so you don’t miss out on potential market returns.
A focus on the future
Nobody knows the future. And that makes financial planning tough. Your situation can change at any time but our tools and advice can help you see how various changes could affect your goals. We show you a range of potential outcomes so you can make more informed decisions.
Anticipating taxes
We may not be able to predict future tax rates, but we can be pretty sure that certain incomes and account types will be subject to some taxes. This becomes especially relevant in retirement planning, where taxes affect which account types are most valuable to you.
Factoring in inflation
We don’t know how inflation will change, but we can reference known historical ranges, as well as targets set by fiscal policy. The most important thing is to factor in some inflation because we know it won’t be zero. We currently assume a 2% inflation rate in our retirement planning advice and in our safe withdrawal advice, which is what the Fed currently targets.
